Los Ficus Group
Update on Los Ficus GroupThe Ficus group is made up of eleven very hard working and enterprising women, who work to help their husbands and to give their families a good start in life.
Mrs. Yolanda is one of the members of this group; she is 35 years old and only has a primary school education. She is married to Mr. Enrique who works as a musician and mason. They have two children, Lupita is the oldest and is in primary school and Enrique is still a baby and is not in school. Mrs. Yolanda tells us that with her husband's help they built a small room in their home where they sell candy and refreshments to the children in the neighborhood; it took them some 5 years to complete it. They did this to have extra income and provide their family with a better quality of life. The business has been improving little by little and during the weekends she sells pizza slices and fried crackling prepared in the home. The business is well known and all of the neighborhood children go to the store and spend since they say they have a delicious zest.
Mrs. Yolanda will use the loan to buy a variety of candy (ice cream, gum, jelly candy, mints, and chocolates)
She wishes to continue getting ahead to give her family a better quality of life.
The other members of the group are:
Patricia sells snacks.
Elizabet sells makeup.
Maria sells makeup.
Carolina sells makeup.
Laura sells groceries.
Yolanda (another lady) grows sugar cane.
Ana sells makeup.
Maria Teresa sells makeup.
Rosa sells shoes.
Honoria sells makeup.
La señora Yolanda es uno de los integrantes de este grupo, ella tiene la edad de 35 años, solo estudio hasta la primaria y esta casada con el señor Enrique que trabaja como musico y obrero, ellos tienen dos hijos Lupita es la mayor estudia la primaria y Enrique que aun es pequeño y no estudia. Doña Yolanda nos platica que desde hace un poco mas de 5 años con el apoyo de su esposo construyeron un pequeño local junto a su casa e inicio a vender dulces y refrescos con los niños de su colonia con el propósito de ganar un poco de dinero extra y asi dar una mejor calidad de vida a su familia su negocio poco a poco ha estado progresando y los fines de semana vende rebanadas de pizza y chicharrones preparados, su negocio ha ganado muca popularidad y todos los hijos de los vecinos acuden hacerle el gasto y se dice que tiene muy buen sazon.
Ella invertirá este crédito en la compra de variedad de dulces(paletas, chicles, gomitas, dulces de menta, chocolates) para resurtir su negocio.
Ella desea que con esta inversión su negocio continué progresando y así poder dar una mejor calidad de vida a sus familia.
Los demas integrantes del grupo son:
Patricia venta de antojitos
Elizabet venta de cosmeticos
Maria venta de cosmeticos
Carolina venta de cosmeticos
Laura Venta de abarrotes
Yolanda (otra Yolanda) cultivo de caña
Ana venta de cosmeticos
Maria Teresa venta de cosmeticos
Rosa Venta de calzado
Honoria venta de cosmeticos
Previous Loan DetailsThe 'El Ficus' group has ten members who are very cheerful, hard-working and kind. Laura is one of the members of this group. She is 33 years old and studied up to high school level. She is married to Gilberto, who works as a carpenter, and the couple have three children. Only one of their ch... More from Los Ficus Group's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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